il: here you go. >> am sorry in this situation based on assurances they got for me. the one he is sorry but that doesn't mean he taking anything back now. and he is fixing it on-the-fly a look at how that is creatg a bigger fly-by-night situation. welcome, i am neil cavuto. the president has a techie.

they found out that it's worse than they thought. and thisis a hacker's victory. now, it s all lies ome of these guys starting from scratch, scrat that because the president is doubling down and trying to redo it. and while i have the feeling that it's all about that, you know, i don know this, but i did find pretty darn good tech person wh has a good idea. and he is is responsible for the wanting out of pennsylvania avenue that should have passed the test of time. and teresa has some ideas on ho the president might still be

able to salve this. knowing what you did in knowing what they have to do, this is the major leap year. but go ahead, what do they do? >> my heart goes out to the tech te because they are working by seven affixes. inthe first place, i get that playing out, and i would meet with american companies like disney and amazon and fedex never get that outside advice. neil: this is about catch up. but where those guys to say and

we are hearing from a l of techs that that is what they are encounterig. >> stabilize the system and then make bad or do we need to actually build somthing new. but the key right now is that we have to get this right. and then make those decisions later. neil: president bush met with every demand and traffic that would rise exponentially. and i don't know the rollout and how it is on the time o day, ay could tell you that but how important is that gauging traffic demand when peo want tt get onto a website? >> it's critically important.

i would expect that they should have hour by hour record to tell em when the peak times are and also when customers are getting bumped up the system. that should be apprent warning people about the peak times to stay away from the site. >> a1 people keep tremolite again. and the systems simply can't handle theraffic or servers or whether you need something bigger or -- i don't know, at what poin is it -- what wegt isn't suitable and we have to start from scratch. >> i think that you need to lok at the team and you need to say

that is this fixabl and ask their opinion because they are the ones that are going to know whether or not they can for more band-aids on andakit work or if really band-aid isn't going to stop the hemorrhaging. and once thee get through that they wouldwrk together with the security team and i would say what you think. does this have a shelf life of a year or two years or do we need to do something different. neil: president bush had a medicare prescription drug plan that was really not paid for. but eventually they did get it done and people were able tt take advantage of it and what criticare saying qassam one with the president said at the time. at least getting it ruled out ruled out. it got there. what do you think on the larger scale? >> we ave a lot of unanswered questions since i'm not sure.

but one thing i'm not a big fan of is sort of big bang apoach is an in three years were going to get a system ad any features and functionality once we get e system well, we deliver them in 30 to 90 day increments. and now we lea a lot about the customer experience beyond that very intuitive. >> i think we need to take it on a smaller chunk instead of long deliverables. neil: when i was a kid i used to prepare my parents were straight grates on myreport card so if they saw a couple of low-grade, they thought that i was being goofy. nestly they didn't harken my advice. thann u so much. the one switching gears here, in washington, the economic recovery being cut at the pass. it did not happen despite all of the doom andgloom. more indications of really good

and and it used to drive the lateral government to a standstill. the way that they had a disastrous amount of sequestration steps. >> no matter what. >> clearly e early read on both and is is that they do no do the harm that was feared. >> i hope that right. is that i like it was a joke, but there's now a group of people saying that maybe the shutdown was good for the economy. >> they got more data between august and september, the numbers re very slid. anif that continues, i think

that what that would be a very good sign that the economy will recover. >> so so much for shutdown, what you say? >> well, you know, the impact, ese numbers hold, these impacts will not be asnegative as what people anticipate. we have a major bed of tis going here. then th say that that happen despite obama's. neil: i do want to get into at, get inside your head to understand what is inside what is going on. where is there a sense with republiccns until the emperor

that he has no clse. >> it's a big question. a little inflammatory. >> they were able to set their exchanges in a timely way. neil: let's talk about the website. does anyone tell the president that it's not going to be that way? >> i doo't know. i wasn't there in the run-up to this, but i think that in this case of the group of people i the individual market were getting notifications that they can keeptheir plans come and they have a switch to different

plans, this is a thing that is applying his something like 2% of thecountry. neil: we don't know about that percentage. >> 5% in the market total. as for more than half of the people are ether either to receive the current policy or are getting some animosities be one what do you think will happen ext year exchanges, private and otherwise? >> i think thahat some might. but you have to remember the context of apple debate was people saying this is a government takeover and it was like they were going to lose one private insurance option but five other insurance options to choose from. the baboo that they were comparing to was thatit wasn't

a government that was taken over the entrance. and a narrow slice of the market is going to private sector. nei i love you dearly. but i have to tell you there's a strategy there. itas a brilliant woman the goal all along miight've been therou are letng out where i can appreciate that we might go to a single single-payer >> they are saying let's forget it or hatever. tha let's just make it clear that i understand the. neil: understand. i'm making it pretty clear. to the republicans ae not allowed. it's always good having you. okay, let's move on. coming up, the president kicked o health insurance.ng

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>> so this is a win-win for american worker is old and small businesses.

see won the employees have the minimum wage now, what if our businesses are contracted 3% per year. and yore required to pay that at 3% more. it doesn't reflect what the reality might be >> well, there was a study in 1994 in the american economic review by kruger tha ought to be looked atn this regard. ther was no impact by an increase in the minimum wage. what we are increasing at an aggregateedemand and will spur the economy. you have to remember that the purchasing price that people have had from the $7.25 is lower percentage power purchasing tt they had in 1978. keanu could talk about the average family of four.

neil: including whatwe have to think about is legislating what we can and cannot do. in other words, even when we sold the health care requirements. i'going to hire more part-time workers, we already have that as a reasoexample of en the government ran something down your throat. finding a way around it to adjust to the cost. even we've had a transition from manufacturing to the service. with that, the service hahas ben like a high proportion of the expenditure and we are seeing a downward cycle and we are seeing america that has a work and this isn't a

counter diction. and there are $8, $9. >> all that would have to go. it's easy to sound callous. but eryo have to go up even if they he an underlying business. >> for that employer in that small job and that manager has to make a choice that. >> most of these individuals, th have to make situations work with a lower wage employees and this is beautifully crafted as a pacackage small businesses and they will

have a major tax break up to a half-million dollars a year. that is good. with the situation, you take mcdonald's where eople are pushing this wage, and they are working just as hard as anyone else. >> it's not about that. neil: do you think that average americans than wou happi pay more for burgers and fries and sodas or for anything. >> there is a moral imperative. do you think tt america would be okay with ts. neil: do think america would be okay with this? >> i wouldld like to see america identified woulddlike to see aa identified with the stdard of

living. >> 80% of americans favor an incrse in minimum wage and 90 pursue this in percentage terms. >> anything t that il result in the value? >> the broader issue is what americans eat. >> mcdonald's ought to pay their workers. a decent wage. it's about the minimum wage and a living wage well. the. neil: doyou think americans would user social sense with whatever you want to call as a

cost-conscious worker? looking for value, those people would not. >> those who work, full-time workers on food stamps. what is going on here? >> that an answer. the people would pay more for goods,. neil okay, you believe that. >> they will because we are in a race to thebottom in america. we will become china were whatever's. neil: talk about the person who's aying more for that buer. okay, dennis, it's a pleasure. in the mainstream media, they are going nuts over these ood stamp cuts. they are actually spam scheme of things.

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>> breout the vience because the medi goes full throttleon government benefits for the 2.1 billion people the unemployment benefits if will run our the next year and food stamps will be cut back. i did not say cut back tax saving the taxpayers' cash? trying to save money. with me now adams says this

is a heartless debate. a lot of peopleho have the jobless benefits over one year they were extended and extended a had extended again the argument for stopping it it is getting long in the tooth? >> when is the rht time? it is impossible to agre wh is the right time. i don't want to say this is completely harmless but there is a school of thought that says c this off in those people always say you have to always cut off a school of thought says there is never a gootime. i think while the economy is shaking you know, what to tell people. neil: you said it was koweit well. >> it is improving but that doesn't mean these people all want to be on the dole.

neil: looking at food stamps sold many americans have food assistance tat depression-era levels it is 50%. surely there is a way to fine-tune this to look at this better without looking like a the heartless sob. >> you are so right. to create a liftyle generation we have to cut at some point where wil the money keeps coming from? we cannot keep barley and spending with the personal responsibility. when i grew up if you took a handoff from the government it was embarrassing now people think it is there right. >> where's your evidence we have created a lifestyle generation?

>> if you include all types of food assistance itis a one out of three. out what point do you think it is too much? >> let advancer. >> user. >> is somebody we are assisting can eat meat segment or eight-- per week. but they cannot afford to have meet any day per week said we step bid to help them get their protein. neil: ybeethen carve out a niche for the genuinely needy. and so if youant to scale back the programs you look heartless but spending this

much money you think we are mozambique's. it is not so awful that many genuinely do. >> there is a lot of use and fraud. but it is significant over $2 bilon we ve to cut that out and stop somewhere. when it comes to unemployment fiftthing th makes me mad as a small-business owner this administration wants me to hire employees but of my business goes under the boys get unemployed ---the emplees get unemployment but i don't for putting myself out there as a

small-business owner. neil: is it too big? >> battlefieldconfident do judge. every goverent program has waste and fra. buyou don't just want to say be will help people out. neil: wondere why the young people don sign up for the health care law? maybe because they looked at the cost and said out of sight. you really lov what would you do?" ♪ [ woman ] i'd be a writer. [ man ] i'd be a baker. [ woman ] i wanna be a pie maker. [ man ] i wanna be a pilot. [ woman ] i'd be an architect. what if i told you someone could pay you and what if that person were you? ♪ when you think about it, ist that what retirement should be, paying ourselves to do what we love? ♪

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into the future. i can reach ally bank 24/7, but there ar24/7.branches? i'm sorry, i'just really reluctant to try new things. really? what's wrong with trying new things? look! mommy's new vacuum! (cat screech) you el that in your muscles? i do... drink water. i's a long story. wellnot having branches let's us give you great rates and service. i'd like that. a new way to bank. a better way to save. ally bank. your money needs an ally. see who does gd work and compare costs. it doesn't usually work that way with health care. but with unitedhealthcare, i get infoation on quality rated doctors, treatment options and estimates for how much i'll pay. that helps me, and my guys, make better decisions. i don't like guesses with my business, and definitely not with our health. innovations that work for you. that's health in numbers. unitedhealthcare.

[ male announcer ] how could switchgrass in argentina, change engineering in dai, alinum production in south africa, and the aerospace industry in the u.s.? at t. rowe price, we understand the connections of a complex, globalconomy. it's just one reason over 70% of our mutual funds beat their 10-year lipper average. . rowe price. invest with confidence request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. neil: here is why a young people are not turned on. it is a rip-off says crrent syracuse university professor who has been busy crunching numbers for you found interesting things? id like to it as. >> once upon a time was president of an insurance company and when i began to

hear and read repeports of kids just out of coege 18 through 26 cohorts those provided voluntarily i begin to think about the numbers of the true cost. the remarkable thing is this is the healthiest populations, the lowest users of health care and we begin to see stories that people's premiums are up to a hundred percent. i thought policeman looks. is a rip-off and the data shows tremendous into generational transfer from older kids to t beneficiaries so i did use the word ripoff because it is unjust and unfair to charge youngster's mother under their parents' plan forave to buy it themselves or be fined at thestes.

the private system or young people in general that says we don't care what it was but we know what it is we will pay the penalty and suffer the consequences? >> irrational thing is to pay the $95 per year d not take coverage. the answers our rational i would bet the numbers will tell us they are not buyi but taking a tough line instead because they are not irration veils they see first mother is a mandate they will never use a and they know they never use a doct they are extremely healthy and they know that ese rates dents into their in, and this is a group of kids you don't have jobs because of general economic conditions than they are alady dealing with the university that you and i @%ve never dealt with they

are not sure they're getting a job they're not surehen they can buy the first hou are with theo start a family. neil: you get a sense it is like a one-size-fits-all program that they're just rolling the dice d these penalties will force them into these types of plans are not making a difference? >> they shouldn't. kids is smarter than the government gives them credit for. i chse to rationally not by care now live in a car accident or assisted lead the of probable happens with it a horrible case of some disease but then i go by insurance there is no risk. neil: you can get it right then. there is no penalt you could be through a

pre-existing conditionnd get it? >> like fire insurance m house gunfire i will buy it right now. neil: a good analogy. thank you very much professor. what if i told you there is a guaranteed failsafe indicator that will predict how this economy will fare in six months? nothing to do with housing just right now this number does not look good. what that number is after this. if you've got copd like me, hey breaing's hard. know the feeling? copd includes emphysema and chronic bronchitis. spiriva is a once-daily inhaled copd maintenance treatment that helps open my obstructed airways for a full 24 hours. spiriva helps me breathe easier.

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neil: they say the economy is all p psychology of they've feel-good they buy stuff. what does it say with small businesses start cutting ba? what if it is of the banks but the customers and small

businesses? then you have problems that he has seen the numbers for himself then recovery has probms. weeare down approximately %. neil: because of you cutting back? >> we have plenty of money to lend out but the problem is our customers are so skittish a and afid what he is looking at is interest ratefltuating up and down. lot of uncertainty. he is looking at the government, obamacare, where the government did not come across like they said they would. now they look in january to have the same problems with potential the government shutdowns that we just had.

neil: how does that affect somebody there runs a bakery in st. louis ? >> very simply they are very concerned about their customer. the people coming in which is how they make money. if they grow and brow money and use that and expand then there is no demand. neil: i just want to be clear so they see things through the prism of the potential fear if it is shutdown of the obamacare rollou then they wld rather be guarded? >> absotely. the same way. >> pure business erotically is improving. >> ty are so skittish ian afraid because they look closely into you j. gary and what happens if a government shutdown comes and last three or four weeks?

>> powell good of a barometer is it? what does it tell you? >> it tells me there is no leadership in terms of where we're going giving small busine a chanc to expand and grow and feel good. neil: if you see us cut back does that correle? >> absolutely. i cannot lend money to these businesses they cannot grow how we create jobs? it all boils down to having these businesses borrow money, grow,ay you back d create jobs. neil: they don't express enough optimism so growth is limited.

>> community banks we are in the trenches and keep our fiers on the pulse and over the past few months i've predicted this would happen because of the uncertainty we get our information from talking to our customers. they ge us the information just like they get information from their customers. neil: and you have been right. i hope you are wrong but i would not bet against it. that is where it that. the governor and the new york city mayor tting his york city mayor tting his way.the ocean gets warmer. the peruvian anchovy harvest suffers. it raises the price of fishmeal, ttle feed and beef. bny mellon tns iights like these into powerful investment strategies. for a university endowment.

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neil: time for youo let

loose. [laughter] said that is the best you can do? david has said is here to react. the food police efta moves to they had transacts frozen pizza, the pie crust, aicher popcorn my entire food pyramid sums to a follower say has been added to mandate? government has no business to monitor. >> on dash sticking their heads in sothing that does not belong. >> no cannolis ever? >>. >> it would be ffnny if it wasn't so horrifying. i am horrified because it shows how far we have gone

fromheounders' intent to limit government. neil: ben franklin had issues of trams that. >> but just the to about how they will enforcehis that they will have real food police to close this town we talked out with the trans fatty put out the information of the damage it may cause but then the usage does go down some folks will eat poison they don't care but 80 percent of the people have stopped eating it as a result oftudies. neil: the hazard today is not the hazard later on. >> but hermit cave when he ran the national restaurant association and everything in moderation? but that point does not come

home to the government? >> buthat government is established to prevent governments from telling you at tdo. as long as you are not botherin somebody else's pursuit of hppiness. >> ben franklin said early to bet early toise of the betty should have some french fries. >> allotted you grrrr about the elephant in the room how could this make it to print? another calls it renewed a and cliche regard this have a neone feels about christie it is and dehumanizing. >> as long as they spell the name right it is ok. good or bad they got the nse when attacking mitt romney to say i'm sorry. but you throw stuff at him

they throw it back and they will throw straight and hard. neil: i seek you are right but to use fake always going back to this, a commentator on another news network said this. >> i dye my hair blond as we but it is not even a magazine. the last time it is about this thick. i am not saying anything that is so i go into journalism that it does both me. neil: used fake? >> any publicity he is the one that wil unite the various parties of the republican party to bring them gether. we have problems after hurricane sandy but even

though he has tea party sympathies he does not have the stigma that people try to put on people like him. writing for the presidency has a lot to do with something important. neil: day you really think he is all that? >> good or bad? neil: great civic id he is the most formidable caidate that the reblicans have right now obsolete. neil: we will see mr. smart pants. >> how about consulting customers? is the women who should not be wearing them you are the probm. this is the quicksilver cash back card from capital one. it's not the "fumbling around with rotating categories" card. it's not the etting blindsided by limits" card.

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neil: we have ofblitz right now lulu lemon is outraged as the ceo says the sea through yoga pants problem is another proct defect get some women's bodies just don't work in the pants. you sound like an ass if hit a the moneymakers is bad business? vicki shows the new yoga sition floods in mouse. en the retail executives insult their clients? that is so bad for sales resaw abercrombie and fitch then the guy who came in from j.c. penney. forget it. neil: it takes a long time to overcome it? >> if i am the board of director i call with the ceo to say oiously you are too stupid toun your own company. let's get somebody a little

smarter and get him out. neil: he is one of the -icest guys on the planet. >> marvel is skipping networks going straight to netflix to develop four new super heroes series. >> it is brilliant. tflix has come out with the house of cards, oranges the new black the series' only on netflix i don't know if marble works out but it is not our fault that will be something else i think it is a fourth network out there or the fifth network. >> onthird of the bandwidth because of netflix bigger than facebook and is still cannot get the content deals so comes with its own cartoon san superherosthat

is the way to go they do very well at the box offic by and just waiting f superhero neil cavuto. >> they get their shows on a device they are not slaves to the schedule or time. this is the wawe're going. >> buckle up for all of those watching look at the year to date to under 60% we are looking at the future right now. neil: what about the established ones? ♪ >> even the esblished viewers are looking at netflix or hulu.com and the whole picture is cheating with television.. ♪ neil: that is a lullaby. what you look at next week? >> i am still looking at technical. the thursday was -- on

thursday the nasdaq was creamed came back on friday we need ebay and google to make new highs in order for the market to revisit through the fourth quarter. neil: are you worried about a bubble? >> yes. pes are half what they were in 1999 for the s&p 500. >> what are you looking at next week? >> i'm looking at the obama care individual mandate. whether it does get the late groundswell movement and support, on the part of democrats in wshlgd -- >> they're getting nervous. >> exactly what it does to insurance stocks. >> the president says now he doesn't want to do that. >> he's still sticking to his guns saying no. but midterms are coming up, people are getting a lot of cancelations, congressmen up for re-election, you could see that mandate delayed. >> do you think this will be a big issue a year from now in the midterms? >> neil, i hope so. put it that way. it should be, it should be. >> the corporate kick-in is next year at this time, right? >> exactly. that's when we're going to see

hundreds of millions i think go off the health insurance rolls. it's going to be huge. >> all right, guys. you were huge hits, both of you. i appreciate that. safe weekend, everybody. let's assume someday the people working at the website healthcare.gov will get it working. then what? does anybody at health and human services know how to run a business? we'll ask a man who has done it very successfully. john mcafee. right here, right now. >> from the fox business network headquarters in new york city, it's "the tom sullivan show." here's your host tom sullivan. >> thanks for joining us here. top of the stack we found out this week a health care expert and economics professor at harvard sent a memo three years ago detailing the problems with the fact that nobody at hhs knew how to build a business or had ever done a startup. he detailed not only organizational but also personnel issues that would